Ingqwalaselo yeNgxelo yakho yeMboleko kunye neMaphu
Ngaba wakha wazibuza ukuba ngababolekisi bazi njani kangaka ngembali yakho yekhredithi? Yaye kwaye abanokukhishwa ngamakhadi-krediti banokugqiba njani ukuvunywa kwesicelo sakho kumcimbi wemizuzwana nje? Kungenxa yokuba ingxelo yakho yekhredithi kunye nomlinganiselo wakho wekhredithi - izinto ezimbini ezibolekisi nababolekisi basebenzise ukwenza izigqibo ngawe.
Ingxelo Yetyala?
Ingxelo yekhredithi yakho irekhodi yeakhawunti yakho yeebhanti kunye nendlela oye wabaphatha kakuhle ngayo, kubandakanywa ukuba uhlawule ngexesha.
Iingxelo zeNgxowa-mali ziquka amakhadi ekweretti, iimali-mboleko, ezinye iibhilidi zonyango ezingabhatalwa, ukuqokelela kwetyala, kunye nokufakelwa kwerekhodi zomphakathi ezifana nokucima okanye ukubuyisela.
Ukongeza kwenkcazelo yakho yekhredithi, ingxelo yakho yekredithi ibandakanya ulwazi lomntu siqu, idilesi zakho zangoku kunye neyaphambilini, kunye nomqeshi wakho okhoyo okanye ogqitywayo. Ulwazi lomntu siqu luquka igama lakho kunye nokuchazwa kwegama lakho kunye nosuku lokuzalwa. Ababolekisi baya kusebenzisa olu lwazi ukuqinisekisa ubungqina bakho kodwa ngokuqhelekileyo abayi kwenza izigqibo malunga nesicelo sakho esisekelwe kuphela kule ngcaciso.
Ingqikithi yengxelo yakho yekhredithi inolwazi oluchanekileyo malunga namakhadi akho ekhredithi kunye nemali-mboleko. Ngeemakhadi zekredithi, ibhalansi yakho, umda weekhredithi, uhlobo lwe-akhawunti, isimo seakhawunti kunye nomlando wokuhlawula zonke zifakwe kwingxelo yakho yekhredithi. Izilinganiso zemiboleko, inani lemali-mboleko yokuqala, kunye nembali yentlawulo ibonakale kwingxelo yakho yekhredithi.
Iingxelo zetyala ziquka uluhlu lwamashishini asanda kutshekisha imbali yakho yematyala. Ezi ngxelo zetyala ziyaziwa njengemibuzo.
Ingxelo yakho yeengxelo zemali-mboleko iza kubonisa imibuzo evela kuwo wonke umntu owathathe ingxelo yakho yebhanki kwiminyaka emibili edlulileyo, kubandakanye amashishini abhekise ingxelo yakho ngenjongo yokuphromotha. Ingxelo ye-mboleko ye-credit report yakho ibonisa kuphela imibuzo eyenziwe xa ufaka uhlobo lwesicelo.
Iingxelo zeMali zenziwe njani?
Iingxelo zetyala zenziwe kwaye zigcinwe yinkampani eyaziwa njengearhente zokubika ngetyala okanye ii-freeaus zemali . EUnited States, kukho ezintathu ezinkulu zemali-mboleko: i-Equifax, i-Experian, ne-TransUnion. Xa abathengi nabathengi bekhangela imbali yakho yekhredithi, baya kuthi bathathe ingxelo yakho yekhredithi evela kwelinye okanye kuzo zonke ezintathu zeevenkile zemali-mboleko.
I-credit bureaus iqabane kunye neebhanki kunye namanye amashishini ukufumana ulwazi lweakhawunti yakho. Ngexesha eliqhelekileyo, iinkampani ozenza ishishini kunye nazo ziza kuthumela okanye zihlaziye ulwazi lakho lweakhawunti kwii-credit bureaus. Oku kubandakanya abakhupha amakhadi kunye namatyala kunye ne-arhente yokuqokelela i-third party abaye baqeshwa ukuba baqokele amatyala egameni lamanye amaqumrhu. Iingxowa-mboleko zemali-mboleko nazo zidibanisa ulwazi kwiinkalo zendawo, zombuso kunye ne-Federal ukuba zibandakanye kwicandelo likarhulumente yoluntu kwingxelo yakho yekhredithi.
Kukho amashishini ophethe i-akhawunti kunye neengxelo zokungena kwii-credit bureaus ngenxa yokuba iakhawunti onayo nabo ayikho iakhawunti zekredithi. Ngokomzekelo, iinkampani ezinikezela ngombane wakho, iselfowuni, i-cable, kunye nenkonzo ye-intanethi ayiyi kubika rhoqo i-akhawunti yakho okanye iintlawulo kwiimali zesikratshi. Amakhadi ahlawulwe kuqala, amakhadi e-debit, kunye neenkcukacha zokujonga i-akhawunti azikwazanga nakwii-credit bureaus kwaye zingabandakanyi kwingxelo yakho yekhredithi.
Ngelixa amanye amashishini angahlaziyi ingxelo yakho yekhredithi ngeentlawulo zakho zenyanga, ziya kwazisa i-credit bureaus xa uqala ukuhlambalahla kwiintlawulo zakho.
Ngubani Ongayibona Ingxelo Yemali Yakho?
Ngombulelo, kungekhona nabani na onokufikelela kwingxelo yakho yekhredithi. Umthetho we-Federal uthi ibhizinisi okanye umntu kufuneka abe "nenjongo evumelekileyo" ukujonga ingxelo yakho yekhredithi. Ngokuqhelekileyo, oku kuthetha ukuba ishishini kufuneka libone ingxelo yakho yekhredithi ukuze ivume isicelo osenzileyo, ukuqokelela kwi-matyala, kwiinjongo ezithile zengqesho, ukuthobela umyalelo wenkundla, okanye ukubhala i-inshurensi. Icandelo 604 le- Fair Credit Reporting Act libala zonke iinjongo zomthetho ezivunyelwe ukujonga ingxelo yakho yekhredithi.
Unelungelo lokubona ingxelo yakho yesikweletu. Enyanisweni, ngamnye umboleki unelungelo lokunika ingxelo yekhredithi yamahhala ngonyaka ngamnye kwi-arhente yokubika ngetyala. Unokuyalela ikopi yakho yamahhala ye-Equifax yakho, i-Experian, ne-TransUnion iingxelo zekredithi ngokuya kwi-AnnualCreditReport.com.
Unokufumana kwakhona ingxelo yekhredithi yamahhala ngokukhawuleza kwi-credit bureaus ukuba unqatshelwe inkokhelo kwiintsuku ezingama-60 zokugqibela (ngenxa yolwazi kwingxelo yakho yekhredithi), awusebenzi kwaye uceba ukukhangela umsebenzi olandelayo Kwiintsuku ezingama-60, okwangoku uyamncedisa urhulumente, uye waba lixhoba lobusela besazisi, okanye unalo ulwazi olungalungile kwingxelo yakho yekhredithi.
Yintoni oyenzayo malunga neNgxelo yeMboleko Iimpazamo
Iingxowa-mboleko zemboleko ayifezekanga. Akunjalo namashishini abawaxelayo. Kuqhelekile ukuba iingxelo zekredithi zibe neeposiso kwaye esinye sezizathu ezifanelekileyo zokujonga ingxelo yakho yekhredithi kukuqinisekisa ukuba kuchanekile.
Unelungelo lokunika ingxelo echanekileyo ngetyala. Ngoko, ukuba ubona impazamo kwingxelo yakho yekhredithi , unokuphikisana ngqo kunye ne-bureau bureau. Unokuphikisana nephutha kwi-intanethi, ngefowuni, okanye ngeposi. Xa i-credit bureau ifumana ingxabano yakho, iya kuphanda kunye ne-information furnisher (ishishini elibike iphoso) kwaye ulungise ingxelo yakho yekredenti esekelwe kwiziphumo.
Kuthiwani Ngeentlawulo Zesikhashana okanye ezinye iinkcukacha ezimbi?
Ulwazi olungalunganga , njengeentlawulo zexesha elide okanye i-akhawunti yokuqokelela, zingabhaniswa kwingxelo yakho yekhredithi ngelixa lichanekile. Ngombulelo, uninzi ulwazi olubi luya kuvela kwingxelo yakho yekhredithi emva kwexesha elithile.
Uninzi olunolwazi luyakwazi ukuhlala iminyaka eyisixhenxe, kodwa ezinye iindidi zolwazi zihlala ixesha elide.
I-Bankruptcy ingabandakanywa kwingxelo yakho yemali-mali ukuya kwiminyaka eyi-10. Iingxowa zerhafu ezingakhokhelwa zichazwe ngonaphakade. Izigwebo zomthetho zingabikwa ngolu hlobo lomgaqo-miselo welizwe , ukuba ixesha elo liyiminyaka engaphezu kweyisixhenxe.
Iingxelo zeKharityhulam ngokubanzi
Ngoko iphi na amanqaku akho ekhredithi afanelekileyo kuyo yonke le nto?
Kungaba nzima, kungabi ukukhankanya ukuchitha ixesha, ukuba ishishini lifunde yonke ingxelo yakho yemboleko ukuze wenze isigqibo malunga nawe. Ngoko ke, basebenzise amanqaku ekhredithi yakho, isishwankathelo seenombolo ezintathu ezinokuthi zihlobo luni "zamabakala" ulwazi lwakho lweengxelo zekhredithi. Amanqaku akho ekhredithi ngumqondiso okhawulezayo wokuba uya kuvela kwi-entsha mboleko okanye mboleko.
Abathengi abaneemali eziphezulu zekhredithi babonwa njengababoleki abasengozini abangaphantsi kunezo ezinezikweletu ezincinci. Izikolo zemali zemfundo ephakamileyo zivumela ukuba ufumane inzala engaphantsi kwimivuzo yamatyala kunye nemali-mboleko, ukunciphisa iindleko zokuthenga iitaliti. Abathengi abanamazinga aphantsi kwesikredithi banamanani amaninzi aphezulu kwaye banokuphikiswa ngamakhadi athile esikweletu, iimali-mboleko kunye nezinye iinkonzo ezisekelwe kwiintengo zemboleko.
Izikolo zeMali-mali zibalwa njani?
Amanqaku okuthenga ngetyala ayingqungquthela yokuthatha iifayile ezithatha zonke iinkcukacha kwingxelo yakho yemali-mboleko, uyayilinganisela, ize ifike kunye nenani elimele indlela ophethe ngayo i-akhawunti yakho yeerhafu. Asazi i-formula ye-credit marking formula - kwaye sinethuba esiyikuliqonda nangona sazi le fomyula. Kodwa siyazi ukuba zeziphi izinto eziya kumanqaku okuthenga ngetyala kunye nokuba zinjani izinto ezibala.
Amanqaku eFICO ngenye yezona zinto ziyaziwayo kwaye zisetyenziswa ngokubanzi. Uhlobo lomthengi wee-FICO kumanqanaba ukusuka kwi-300 ukuya ku-850 kwaye amanqaku abalwa ngokusekelwe ezintweni ezi-5 eziphambili. Ngenxa yokuba ezinye iinxalenye zembali yakho yokuhlawula imali ibaluleke ngakumbi kunabanye, izicatshulwa ezahlukeneyo zembali yakho yesikweletu zinikezwa ubunzima obuhlukeneyo ngokubala amanqaku akho. Nangona i-equation ecacileyo yokuza kunye namanqaku akho okuthenga ngetyala (credit score) yinto yolwazi olumnikazi weFICO, siyazi ukuba yintoni ulwazi olusetyenziselwa ukubala amanqaku akho.
Nazi izinto ezinhlanu, zityhulwa ubunzima obunikwe nganye into:
Imbali yokuhlawula ngamaphesenti angama-35: Ababoleki banenkxalabo malunga nokuba ngaba awuyihlawula iindleko zakho ngexesha. Isalathisi esona sikhulu sendlela oye wahlawula ngayo iindleko zakho kwixesha elidlulileyo.
Ukuhlawulwa kwexesha elifutshane, ukuqokelela kunye nokuphazamiseka kwakho konke okuchaphazela imbali yentlawulo yemaphu yakho yesikweletu. Iziganeko ezigqithisileyo zakutshanje ziye zaphazamisa amanqaku akho ekhredithi ngaphezu kwamaxesha adlulileyo.
Amanqanaba eebatyala ngamaphesenti angama-30: Imali enetyala ngokumalinganisa nemingeni yakho yemali-mboleko iyaziwa njenge-usetyenziso lwekhredithi. Iphakamileyo yakho yokusetyenziswa kwekhredithi - ngokusondeleyo kwimida yakho - amanqaku aphantsi akho amanqaku aya kuba. Gcina izilinganisi zekhadi lakho lekredithi malunga neepesenti ezingama-30 zomlinganiselo wakho wekhredithi okanye ngaphantsi.
Ubude bembali yeebredari 15 ipesenti: Ukuba nomlando weentengo ezithe xa ukhokelwa ngumvuzo ngenxa yokunika ulwazi oluninzi malunga nemikhuba yakho yokuchitha. Kulungile ukushiya ivule iakhawunti oye waba nayo ixesha elide.
Imibuzo yeepesenti ezili-10: Njalo xa wenza isicelo semali-mboleko, uphando luyongezwa kwingxelo yakho yekhredithi. Izicelo ezininzi zekhredithi zingathetha ukuba uthatha ityala elininzi okanye ukuba unengxaki ethile yemali. Nangona imibuzo ingahlala kwingxelo yakho yekhredithi kwiminyaka emibini, ukubalwa kwamanani akhokredithi kubhekisa kuphela abo benza ngonyaka.
Ukudibanisa ngetyala ngeepesenti ezili-10: Ukuba neentlobo ezahlukeneyo zeakhawunti kulungile ngoba kubonisa ukuba unamava okulawula umxube wekhredithi. Oku akuyona nto ebalulekileyo kwinqanaba lakho lekhredithi ngaphandle kokuba ungenalo ulwazi oluthe xaxa ekusekeleni amanqaku akho. Vula ii-akhawunti ezintsha njengoko uzifunayo, kungekhona nje ukuba ube neyona nto ibonakala ingumxube we-credit.
Omnye umlinganiselo wekhredithi osetyenziswa kakhulu yiVantageScore . Le nguqulo yemaphu yesikweletu iye yaveliswa ngamatyala amakhulu amathathu. Inguqu yakutshanje yeeVantageScore ukusuka kwi-300 ukuya ku-850, efana ne-FICO, kodwa iimeko ze-VantageScore zihlukile. Esikhundleni sokusinika ipesenti, i-VantageScore ibonisa izinga lokuchaphazela nganye into.
- Imbali yentlawulo : Impembelelo enkulu
- Ubudala kunye nohlobo lweentengo zemboleko: eziphezulu
- Ipesenti yomyinge wekhredithi esetyenzisiweyo: Impembelelo ephezulu
- Iibhalansi ezipheleleyo / ityala: elifanelekileyo
- Ukuziphatha ngokutsha kwekhredithi: Impembelelo encinane
- Inkokhelo ekhoyo: Iimpembelelo ezintle
Ungayifumana phi i-Score yakho yeMatyala?
Nangona unelungelo lokunika ingxelo yekhredithi yamahhala, kodwa akukho mthethweni ofuna ukuba iinkampani zikhishwe ngetyala ukunika ukufikelela kwamahhala kumanqaku akhokredithi. Sekunjalo, kulula ukufumana amanqaku akho ekhredithi ngokukhululekile okanye ngokukuthenga.
MyFico.com: Le yindawo kuphela apho ungathenga khona umlinganiselo wakho weFICO. Unokuyalela umlinganiselo wakho weFICO ngokusekelwe kwingxelo yakho yekhredithi e-Equifax, Experian, kunye neTransunion.
Naliphi na i-credit bureaus: Unokuthenga i-individual and 3-in-1 scores credit from each of the bureaux. I-ofisi nganye yeekhredithi inomfanekiso wokubolekisa ngetyala kunye kwaye ingaba neyantlukwano encinci kwimbali yakho yeebhanki, ngoko ke izikolo zakho zekhredithi zingahlukana kunye kwaye zingase zihluke kumlinganiselo wakho we-FICO.
Iiwebhusayithi zeekhredithi zamahhala zentengiso: Iiwebhusayithi ezintathu zinikela ngokukhululekileyo ngokukhululekileyo, izikolo ezingabhaliswanga iimfuno zeentengo zemboleko. Ziyi-CreditKarma.com, i-CreditSesame.com, iLendingTree.com ne-Quizzle.com. Qaphela nayiphi na amanqaku ekhredithi ekhululekile ekucela ukuba ufake inombolo yekhadi lesikweletu. Ubhalisile kwi-trial subscription kwi-service monitoring monitoring. Ukuba awuyikukhansela ngaphambi kokuba uvavanyo luphelile, inkampani iya kuqala ukuhlawula ikhadi lakho lekredithi ngenkonzo.
Isitatimende sakho sekhadi lesikweletu: Abaniki bamakhadi abathile bekhredithi bathatha inxaxheba kwinkonzo entsha ye-FICO evumela ukuba abanini bamakhadi bajonge izikolo zabo zeFICO mahhala. Ukufumanisa, iBarclaycard, kunye ne-First National Bank yase-Omaha ngabaniki bamakhredithi abambalwa abathatha inxaxheba. Kuphela kufuneka ujonge ingxelo yakho yenyanga ukuze ubone umlinganiselo wakho weFICO wangoku.
Kukhanyelwa ngetyala okanye kuvunyelwe ngamagama amancinci: Le ndlela ayikho into engalunganga (okanye ilungileyo), kodwa yile ndlela isebenza ngayo. Ababoleki kunye nabaniki bamakhadi-kredit banokufuneka bathumele ikopi yamanqaku ekhredithi esetyenziswe kwisigqibo sokukhanyela isicelo sekhredithi okanye ukuvunywa kwesicelo, kodwa ngegama elincinci kunezona zicelo. Awunakwenza nantoni na ukufumana le nqanaba lekhredithi kodwa ufake isicelo. Ukuba ufanelekile, ufumana umvuzo wesikweletu ngokuzenzekelayo.
Yiyiphi i-Score Good Score?
Ukukhangela kwinqanaba lakho lesikweletu kunokudideka. Abanye abanikezeli beekhredithi bamanqaku bakunikezela inkcazo yamanqaku akho ekhredithi, bachaza ukuba ngaba unomvuzo omhle wesikweletu, kwaye udilize izinto ezifaka isandla kumatyala akho. Ngamanye amaxesha yonke into oyifumanayo inomboro kwaye kufike kuwe ukuba uqaphele ukuba loo nombolo ithetha ukuba unetyala elifanelekileyo okanye ityala elibi.
Ukugcinwa kwengqondo ngamanqaku ekwereti ngokubanzi ukusuka ku-300 kuya ku-850, nantsi ukuphazamiseka kweziphi iinombolo ezahlukileyo kuloluhlu kuthetha:
- 800+: Ngaphandle. Awunako ukuhlambalaza nakweyiphi na intsha yemboleko okanye mboleko. Mhlawumbi uya kuba nexesha elilula ukufumana imvume kwi-credit kwaye uza kuba nomyinge ophantsi.
- 799 ukuya ku-700: Kuhle kakhulu.
- 670 ukuya ku-739: Okulungileyo. Kukho umngcipheko ophezulu (kodwa okahle kakhulu) wokungagqibekanga. Ngenqaku lekhredithi kuloluhlu, kufuneka ube nexesha elilula lokufumana i-credit.
- 580 ukuya ku-669: Ilungelo. Abathengi abanezikolo zemali-mboleko banomngcipheko ophezulu wokungagqibekanga, abaninzi banqatshelwe ngenxa yamakhadi athile kunye namatyala-mboleko, okanye xa ivunyiwe, iya kuba nezinga eliphezulu lomdla.
- 579 nangaphantsi: Ihluphekile. Ezi zikolo zesikweletu zibonisa umngcipheko omkhulu wokungagqibekanga. Uza kuba nexesha elinzima kakhulu ukufumana iimveliso zentengo zemboleko ngekhredithi yematyala kule ndlela.
Ukuba awunayo ikota elihle kakhulu lekhredithi, unokusebenza kulo. Ukuphucula umlinganiselo wakho wekhredithi ngokuqinisekisa ukuba ingxelo yakho yekredithi ayikho iphoso, ukufumana ukuhlawulwa ngokukhawuleza, ukwenza zonke iintlawulo zakho zenyanga ngethuba, ukunciphisa izilinganiso zekhadi lakho lesikweletu, kunye nokunciphisa izicelo zakho ezintsha zekhredithi.